Citi® Dividend Platinum Select® Card for College Students

Please review the credit card offer information below and click on "Apply Now" to learn more or apply for the Citi® Dividend Platinum Select® Card for College Students by filling out a secure online application.

0% APR* for 6 months on purchases, cash advances and balance transfers as long as you do not default under any Card Agreement
Earn 5% cash back on purchases at supermarkets, gas stations, convenience stores, and utilities including cable for 6 months and 2% thereafter
Earn 1% cash back on all other purchases
No minimum income or cosigner required
Build your credit history
No annual fee & no balance transfer fee with this offer

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed	Overall Rating
0%	6 Months	12.99%	None	Yes	Fair Credit

Citi® Dividend Platinum Select® Card for College Students Review

You can’t do it alone. This is true with life in general. Somewhere along the way you will need someone’s help. Think about it…when you were first learning to walk, didn’t you look to your parents to rescue you from falling? When you were first learning how to ride a bike, didn’t you rely on your training wheels to keep your balance?

Well, now that you’re a college student on the verge of adulthood, let Citibank be the support system you need to help you survive in this credit-driven world of ours, where FICO scores, payment history, and credit references play a big role in determining just how comfortable and prosperous your adult years will be.

The Citi® Dividend Platinum Select® Card for College Students will help you build your credit, strengthening it as you go, so that one day, you too, like your parents before you, can own a home of your own and experience the joy and excitement of your child’s first step.

Of all the perks that this credit card offers, by far its most attractive benefit is the free, built-in cash back rewards program, sponsored by Citibank’s Dividend Dollars Network.

Totally designed with today’s college student in mind, you will receive, through the card’s rewards system, 5% cash back rebates on purchases made at drugstores, convenience stores, supermarkets, and gas stations, including utilities (defined as cable, gas power, and water supply services) for six full months, and 2% after the promotional period expires. All other purchases will garner a 1% cash back rebate. Qualifying balance transfers, cash advances, and convenience check transactions also yield a 1% cash back rebate.

When you complete a balance transfer transaction upwards of $1,500, you will be granted $5 Dividend Dollars, and once you reach $50.00 in Dividend Dollars, a check will be made out to your name for the same amount.

You should know that cardholders can also earn an average of 5% cash back on purchases made through the Citi Dividend Merchant Network, and while rebates earned on purchases through the Citi Dividend Merchant Network are unlimited, rebates earned on all other purchases are subject to a $300 maximum per year.

In order to maximize the perks that are offered here, it’s in your best interest that you pay off your monthly balance in full, so as to avoid finance charges. If you plan to spend enough to take advantage of the rebate program, then you’re taking a step in the right direction. But if you can’t spend as much and plan to carry a revolving balance, you may want to consider a credit card with a lower interest rate.

While it’s true that the APR for purchases (currently set at 13.99%) is above average, especially for a student card, the Citi® Dividend Platinum Select® Card for College Students does not require a co-signer or minimum income to set up an account, and carries a $0 annual fee policy. Plus, for six months, cardmembers will enjoy a 0% interest rate on all transactions, including balance transfers, purchases, and cash advances (note: cash advances will carry a minimum cap of 19.99% once the introductory offer ends). Please be advised, credit lines may be as low as $500.00.

You spend a lot of time on online, on your laptop, on your desktop, whether you’re writing a paper, studying for an exam, keeping current, listening to music, or buying stuff…so, why not manage your account online as well. You can download account statements for free, manage your balance, set up automatic bill payments, check your available credit, transfer balances safely and quickly, and gain access to a wealth of credit education tips and tools to help with your spending. Another great platinum benefit is the card’s travel accident insurance policy, which provides coverage of up to $1,000,000.

You know about hackers, and what they can do. You’ve probably heard about a hacker getting into your school’s computer system before, etc. To prevent this from happening to you with your credit card account, Citibank has put in place several fraud and security protection services, including Identity Theft Solutions, as well as the option to include a personal photo on your card, a no liability clause on unauthorized transaction, Lost Wallet reporting, and emergency cash/card replacement support. Just in case you ever need it.

When you’re ready to graduate to another, more grown-up credit card, Citibank will be there to guide you every step of the way. Take a giant step forward, sign up for the Citi® Dividend Platinum Select® Card for College Students today. It’s your first step towards a brighter tomorrow.

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